M&T Bank : Asset Based Financing
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Asset Based Financing

Businesses sometimes encounter opportunities or unique circumstances, which require alternatives to traditional bank financing. For over 30 years, our dedicated Asset Based Finance team has built flexible financing solutions for companies facing the following challenges:

  • Leveraged financial condition
  • Highly seasonal
  • Cyclical
  • Rapid Growth
  • Business Restructuring/Turnaround
  • Exit Financing from Bankruptcy
  • Merger/Acquisition
  • Leveraged and Management Buyouts
  • Recapitalizations

Customer Profile
We provide financing to manufacturers, distributors, retailers and service companies with revenues from $15 million to $3 billion in a broad array of industries. Our geographic reach extends from Boston to Chicago to Atlanta with particular focus in the Mid-Atlantic States, New York and New Jersey.

Loan Profile
Our credit facilities range from $5 million to $50 million with the capability to syndicate larger transactions. Facilities include secured revolving lines of credit with maturities of 3 to 5 years, which can include seasonal over advances and special buy accommodations as warranted. For those clients with requirements beyond traditional working capital, we offer Term A secured loans and Term B undersecured loans that we can customize to your cash flows.

If the capital structure warrants, we also offer a second lien product, which is a more attractive alternative than traditional subordinated debt. Loans are secured by accounts receivable, inventory, equipment and real estate as well as forms of intellectual property with a subscribed market value.

Relationship Approach
Asset Based lenders typically have a transaction orientation given the circumstances in which the need for such financing may arise. M&T Bank’s philosophy has been and continues to be a relationship-oriented approach with strong emphasis on the owners and management of the companies with whom we do business. We bring together all the resources of M&T Bank including Capital Markets, International Trade Finance and Treasury Management to develop a comprehensive solution for your business.

 
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